Page 3 - 5.11 Benefit Guide 2018 National

IMPORTANT INFORMATION

THE AFFORDABLE CARE ACT AND YOU
The Affordable Care Act (ACA) requires nearly every American to be enrolled in medical coverage or pay a penalty. This is
referred to as the individual mandate. You have several options to satisfy this requirement:
• Enroll in a medical plan offered by 5.11 or another group plan
• Purchase coverage through a health insurance marketplace
• Enroll in coverage through a government sponsored program
• Have no coverage and incur a tax penalty

Because 5.11’s medical plans are considered affordable and meet minimum value under Health Care Reform, you will not
generally see lower premiums or out-of-pocket costs through the marketplace. In addition, employer contributions to your
medical benefits will be lost if you choose to purchase coverage through the marketplace, and your portion of medical
premiums will no longer be paid via payroll deductions on a pre-tax basis.

FOR MORE INFORMATION:
If you would like additional information on your coverage options and potential tax penalties, please
visit www.healthcare.gov.

ANNUAL NOTICES
ERISA as well as various other state and federal laws require that employers provide disclosure and annual notices to their
plan participants. 5.11 will distribute all federally required annual notices upon hire and during each annual open enrollment
period. In addition, 5.11 has posted all federally required annual notices on UltiPro for you to download and read at your
convenience The following is a brief description of the annual notices:
• Medicare Part D Notice of Creditable Coverage: Plans are required to provide each covered participant and dependent a
Certificate of Creditable Coverage to qualify for enrollment in Medicare Part D prescription drug coverage when qualified
without a penalty. This notice also provides a written procedure for individuals to request and receive Certificates of
Creditable Coverage.
• HIPAA Notice of Privacy Practices: This notice is intended to inform you of the privacy practices followed by 5.11’s
group health plan. It also explains the federal privacy rights afforded to you and the members of your family as plan
participants covered under a group plan.
• Women’s Health and Cancer Rights Act (WHCRA): The Women’s Health and Cancer Rights Act (WHCRA) contains important
protections for breast cancer patients who choose breast reconstruction with a mastectomy. The U.S. Departments of
Labor and Health and Human Services are in charge of this act of law which applies to group health plans if the plans
or coverage provide medical and surgical benefits for a mastectomy.
• Newborns’ and Mothers’ Health Protection Act: The Newborns’ and Mothers’ Health Protection Act of 1996 (NMHPA)
affects the amount of time a mother and her newborn child are covered for a hospital stay following childbirth.
• Special Enrollment Rights: Plan participants are entitled to certain special enrollment rights outside of 5.11’s open
enrollment period. This notice provides information on special enrollment periods for loss of prior coverage or the
addition of a new dependent.
• Medicaid & Children’s Health Insurance Program: Some states offer premium assistance programs for those who are
eligible for health coverage from their employers, but are unable to afford the premiums. This notice provides information
on how to determine if your state offers a premium assistance program.
• Summary of Benefits and Coverage (SBC): Health insurance issuers and group health plans are required to provide you
with an easy-to-understand summary about your health plan’s benefits and coverage. This regulation is designed to
help you better understand and evaluate your health insurance choices.

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